Tinkoff is the only domestic financial structure to date that has completely abandoned ground branches. Tinkoff serves its clients via the Internet. More than 4 million Russian citizens use the services of the company: reliability and comfort attract our compatriots. You can transfer money to friends, make payments, pay off credit debts at any time of the day or night, regardless of where the client is in the world at a given time. 

 

Profitable and convenient

No queues and tedious filling of documents. Sitting in a comfortable armchair, you can manage your accounts. Financial transactions are carried out both in virtual and telephone mode. Account replenishment is carried out through the salons of mobile operators and self-service terminals. You can withdraw cash at ATMs of banks that are partners of a financial institution.
Such a system of work allows you to save on renting offices, purchasing and installing banking equipment, wages for a large staff of employees. This means that the commission fees for most financial transactions will be significantly lower than in conventional banks.
 

Jobs call -center

If you have any questions about the services provided by the company, the client can contact the round-the-clock support service. You will have to wait no more than two minutes for the consultants answer. An experienced specialist will provide competent advice and help to resolve any problem (95% of issues are resolved with a one-time call to the call center).
 

Partnerships

Tinkoff has listed its securities for sale on the London Stock Exchange. The banks activities are absolutely transparent. Anyone can get acquainted with the results of the companys work: reports are periodically published in financial magazines.
The Bank cooperates with "Dengi.Mail.ru" and " Yandex .D engi ". The financial institution serves the payment cards of these electronic systems.
In collaboration with brands such as eBay and OneTwoTrip , Tinkoff has issued credit cards. International recognition International rating agencies have repeatedly recognized the bank as the best among structures of this type. For example, in 2014, Markswebb Rank & Report named Tinkoff the most efficient bank serving private clients. The same agency put online banking and mobile services of a financial institution on the first step of the rating. 



 

Payment cards from Tinkoff bank

Tinkoff issues debit cards and credit cards. You can order a card through the users personal account, registered in the Internet banking system. The company will send the document by mail.
The financial institution issues 8 debit and 11 credit payment instruments. Each card is unique and offers special conditions. Among such a variety, a person can easily choose the most profitable option for himself.
Credit cards
1. The Tinkoff Platinum card is a profitable option for obtaining credit funds. The bank provides up to 55 days of a grace period for lending (during this period, the borrower will not pay interest). The card stores up to 300 thousand rubles. The percentage of monthly payments is set for each client individually. You can pay off debts through ATMs and payment acceptance points of organizations that are partners of Tinkoff (more than 300 thousand points in total).
The card participates in the bonus program. By paying with a document, the client receives 1% of the purchase price. There are also special offers that offer a 30th discount. Bonus points are also accrued, having accumulated which you can purchase all kinds of goods and tickets for various types of transport. Points can also be redeemed for cash.
2. All Airlines is a product that allows you to purchase tickets from any company at a reduced cost. Whatever the client buys, he receives bonuses: 5% - for transport tickets, 10% for renting a hotel room, 2% - for purchasing any kind of goods. Having collected the required number of bonuses, you can buy a plane ticket to anywhere in the world.

 
The conditions for the use of credit funds are also advantageous: 55 days of the grace period, the interest rate - from 18.99% / year, the amount of monthly repayments - up to 8% (determined for each borrower individually).
3. The eBay card returns up to 20% of the funds spent on the eBay online auction (in the first month of using the payment document - in the following days - 3%). The card also provides a discount on goods purchased in other virtual outlets (up to 3%), as well as in regular stores (1%). Upon making their first purchase, the customer receives 1,000 bonus points that can be redeemed for items on eBay .
The card provides a grace period for crediting (up to 55 days) and interest rates of 23.9%.
4. Credit card "Malina" provides borrowers not only with favorable conditions for obtaining a loan, but also an opportunity to save money. Paying with a payment document, the client receives 20 bonuses for every hundred spent. After purchasing the first purchase, 8 thousand bonus points will be credited to the card account. Points can also be obtained in 300 stores that are partners of Tinkoff Bank.
The card account contains 700 thousand rubles, which the cardholder can dispose of at his own discretion. The grace period allows you to use the money without accruing interest for 55 days. At the end of this period, the interest rate will be 23.9%.
5. "Japan in the city" is manufactured in cooperation with the renowned car manufacturer Mitsubishi . The document provides a 5% - hydrochloric discount on all products. The discount is credited to the card account in the form of points. Bonuses can be exchanged for original spare parts for Mitsubishi cars .
A 5% discount can be obtained if you pay with a card at service stations and gas stations.
The loan amount will be 700 thousand rubles. An interest-free lending period is provided (55 days from the date of the first purchase). The rate is 23.9%.
You can pay off your credit card debt at any banking organization, through self-service terminals, as well as at payment points and mobile phone stores (about 300 partner companies in total).
 

Debit cards

Debit cards reliably save the clients funds. Some products can make a small profit. Promotions and bonus programs make it possible to purchase goods at good discounts. Tinkoff Bank issues debit cards of VISA and MasterCard systems .
1. The terms of the Tinkoff Black card provide for the accrual of 7% for an amount of up to 300 thousand rubles. You can issue a payment document that will store funds in foreign currency. In this case, the rate will be 0.5% for amounts up to 10 thousand dollars / euros. You can withdraw cash at partner ATMs (no commission fee). Holders of documents can use a separate safe account and save money. The profitability of this account is 7% / year. The client can withdraw funds whenever he wishes, without losing the accrued interest. You can view the account balance from your personal account registered in the Tinkoff online bank. Bank customers who have opened a loan or have an account use the card free of charge. In other cases, you will have to pay 99 rubles / month. 2. Google Play - this payment document provides the ability to purchase products on the Google Play system . When paying with a card, the client receives bonuses: in restaurants - 1.5%, in stores - 1%, on Google Play - 5%. Points are credited to the card account. They can be exchanged for music, games, computer programs, and more. You can withdraw cash at any of the partner ATMs. The account is replenished in the salons of cellular communication, through self-service terminals, at points of reception of payments, etc. The card is equipped with contactless payment technology. 3. OneTwoTrip p . Travelers cannot do without this card. The card brings 7% of hotel room bookings through the OneTwoTrip mobile application and 5% through the companys website. When buying a plane ticket in a mobile application, the client receives 5%. If travel documents are issued on the organizations website, then 2% is transferred to the account. By purchasing other products, the cardholder receives a 1% discount. The discount is credited to the card account in the form of points. Bonuses can be exchanged for tickets for air transport and services in hotel complexes. In addition, a profit of 7% / year is calculated on the account balance up to 500 thousand rubles. If the amount is over the limit, the rate will be 3%.  

 

Payment for services

Clients of Tinkoff Bank can pay for all types of services provided by social enterprises. Without visiting a bank branch, you can:
• pay off your loan debt;
• pay for utility services;
• top up your mobile phone balance;
• pay the intern m- and TV providers;
• pay for services provided by government agencies (taxes, fines, parking, etc.);
• purchase travel documents for urban transport;
• buy tickets for commuter trains;
• replenish wallets registered in electronic payment systems and so on.
In the personal account, the user can find out his identification number, see if he has fines from the State Traffic Inspectorate. When paying for the listed services, the client does not pay a commission.
 

Money transfers

The capabilities of Tinkoff Bank allow making intra-system and interbank money transfers. The client can send funds from his card account to the card of any bank. The operation is performed instantly.
 

Mortgage credit lending

Tinkoff Bank does not offer its clients its own lending products. He acts as an intermediary between the borrower and the lending bank. The company, taking care of the welfare of its customers, signed an agreement with partners to provide a discount of 0.9% of the interest rate offered by the lender, so it will be much more profitable to get a loan through Tinkoff than to go directly to a credit institution.
 

Mortgage Loan Registration Procedure

The client needs to fill out an application for a mortgage. The form is located on the official Tinkoff website (https://www.tinkoff.ru). Partner banks must "give the go-ahead" for a loan. The borrower is given complete freedom of action: he can choose the most acceptable credit conditions for him.
Tinkoffs partners in lending are:
• TrnasCapital Bank;
• Uralsib Bank;
• "Absolut Bank";
• DeltaCredit Bank;
• AK Bars Bank;
• "Bank for Housing Finance";
• " InvestTorgBank ".
The mortgage registration is carried out online. The client does not have to pay additional fees and commissions. Tinkoff makes money not on clients, but on cooperation with credit institutions.
After the application is approved and the lending bank is selected, the borrower should decide on the type of real estate that he intends to purchase (the interest rate and the duration of the contract will depend on this).
At the last stage, the client needs to visit the banks office in order to resolve all organizational issues and sign a mortgage lending agreement.
 

Interest rates

Interest rates depend on the type of real estate, the loan amount, the down payment and the term of the loan agreement. Here are the approximate rates for some types of housing.
• An apartment worth 3 million 323 thousand rubles - the interest rate will be from 11.10% / year;
• apartment with a subsidized rate worth 3 million 600 thousand rubles - rate from 11.45% / year;
• apartments worth 2 million 99 thousand rubles - rate from 11.10% / year;
• commercial real estate worth up to 1 million 350 thousand rubles - rate from 15.45%;
• private house worth 2 million 99 thousand rubles - rate from 12.45% per annum.